Credit Help and Tips
Credit help and tips.Are Credit Cards Bad for Your Credit Score?
Credit card Q&A: “Are credit cards bad for your credit score?” In short, no, opening a credit card won’t hurt your credit score, at least not in the long run. Sure, you may see your credit score get dinged a ... Read More »
Why Are Credit Card Rates Going Up?
Credit card Q&A: “Why are credit card rates going up?” Thanks to recent legislation, credit card issuers have had to make adjustments to protect profit margins. It started with the Credit Cardholders’ Bill of Rights, which stamped out a number ... Read More »
How to Get Your Credit Score for Free
Credit score Q&A: “How to get your credit score for free.” If you don’t already know your credit score, you’ll probably want to see where you stand on the credit score range, especially if you plan to apply for a ... Read More »
What is Credit Card APR?
Credit card Q&A: “What is credit card APR?” If you’ve seen an ad for a credit card lately, or looked at the terms of your existing credit card, you’ve probably stumbled upon the acronym “APR.” APR stands for Annual Percentage ... Read More »
Do Credit Cards Help Your Credit?
Credit card Q&A: “Do credit cards help your credit?” Put simply, a credit card that is reported to the 3 major credit bureaus will help your credit history, assuming you make on-time payments. Of course, if you open a credit ... Read More »
What Credit Card Limit Can I Get?
Credit card Q&A: “What credit card limit can I get?” Consumers are often curious about what they’ll qualify for in the way of a credit card, if approved at all. Unfortunately, it’s always a bit of a mystery until after ... Read More »
Credit Sesame Review
A new service called “Credit Sesame” gives you access to a monthly updated free credit score based on credit profile information pulled from credit bureau Experian. While this sounds pretty cool, keep in mind Credit Sesame uses Experian’s National Equivalency ... Read More »
$10 Credit Card Minimums Coming Soon?
Call it a credit card backlash. A fight against costly interchange fees by frustrated retailers. And an end to charging that $1 pack of gum at your local gas station. Thanks to federal consumer protection laws regarding the use of ... Read More »
Credit Utilization Rises as Number of Credit Cards Falls
A new report from credit bureau Experian revealed that the average consumer had 1.97 bank cards and more than $4,200 in debt as of the end of 2010. This former number has fallen nearly 23 percent from 2007, likely due ... Read More »
What’s Not in a Fico Score?
Knowing what impacts your Fico score will help you focus your time and energy on what’s important, without worrying about what’s not included. If you didn’t already know, there are five main factors that determine a Fico score, the most ... Read More »
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